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Scale Identity Verification and KYC Operations in Albania
Run online identity verification in Albania through Letërnjoftim and passport chip checks plus 10,000+ foreign ID document types, run KYB on QKB-registered businesses and their owners, and monitor transactions and sanctions lists. One platform runs compliance and fraud prevention across the full customer lifecycle for Bank of Albania- and AMF-supervised firms.
Operational Performance for Albania KYC
Our Numbers Speak Volumes
99.40%
Pass
Rates
Under 5 secs
IDV
Verification
100%
Omni-format
Document Recognition
Albania IDV/KYC Challenges
Remote Onboarding Comes With Strict Conditions
Instruction No. 1/2025 allows electronic identification only on an official biometric ID document with a photograph, and excludes non-residents under 18 or holding documents from high-risk countries. Shufti checks each condition inside the flow, so ineligible applicants move to another verification route.
Keeping Customer Risk Current Requires Continuous Monitoring
Albanian law requires continuous monitoring of every business relationship and customer files that stay valid and up to date, not a one-off check at onboarding. Shufti checks transactions against each customer's profile, refreshes sanctions and PEP data every 15 minutes and flags ownership changes.
Beneficial Ownership Records Can Trail Real Changes
Ownership changes can take up to three months to reach the register of beneficial owners, and firms must act on any gap between the register and their records. Shufti maps ownership through every corporate layer and flags each mismatch for review.
Thin Case Files Weaken 72-Hour Suspicious Activity Reports
Firms have no more than 72 hours to report a suspicion to the Financial Intelligence Agency, which leaves no time to rebuild a case from scattered systems. Shufti's case management keeps the identity, screening and transaction evidence behind every suspicious activity report (RAD) in one file.
Documents and Languages
Individual Documents Shufti Verifies in Albania
Shufti verifies 8 Albanian identity documents plus passports and ID cards from other countries. The cards below cover the core documents Albanian onboarding relies on, with the full list on the supported documents page.
View All Supported DocumentsLetërnjoftim (Albanian Electronic ID Card)
Every citizen aged 16 or over can hold the Letërnjoftim, issued under Law No. 8952/2002 and produced by the state-owned IdentiTek. Shufti reads its chip through NFC, runs forensic checks on the card and matches a live selfie to the photo with liveness.
Leje Qëndrimi (Residence Permit)
Foreign nationals living in Albania hold a biometric residence permit under Law No. 79/2021 on foreigners, applied for through e-Albania and collected from the local migration office. Shufti verifies the card and confirms the holder with a liveness-checked selfie.
Albanian Passport
The biometric passport serves Albanians abroad and customers without a current ID card. Shufti reads the chip and runs nine forensic detection layers, from MRZ checksum validation to hologram analysis, so a cloned or altered passport fails before onboarding.
Foreign Passports and National ID Cards
Shufti actively processes 10,000+ ID document types from 240+ countries and territories, and its zero-shot AI learns new document formats in minutes. Foreign workers, investors and visiting non-residents onboard this way, alongside an Albanian residence permit where they hold one.
Albanian Driving Licence (Leje Drejtimi)
The General Directorate of Road Transport Services (DPSHTRR) issues driving licences. Shufti checks each licence for authenticity, expiry and a facial match, which helps delivery, ride-hailing and car-rental platforms vet drivers and gives lenders a second identity document.
Proof of Address
Albanian customers usually prove their address with an OSHEE electricity bill, a water utility bill, a bank statement or a lease agreement. Shufti reads each one and matches the name and address to the verified identity in the same step.
Entity Identity
QKB Commercial Register Extract
Companies register with the National Business Center (QKB) under Law No. 9723/2007 on business registration, and QKB issues register extracts in written or electronic form. Shufti verifies the extract and checks name, NUIS, legal form and administrators against live registry data.
Founding Act and Statute
Every sh.p.k. and sh.a. registers with a founding act and statute that set out capital, shareholdings and management powers. AI-OCR reads ownership, capital and signing authority from Albanian or English text and flags GAN-generated or edited pages.
Sector Licences and Approvals
The Bank of Albania licenses banks, exchange offices and payment institutions, AMF licenses investment firms, insurers and DLT market participants, and AMLF licenses gaming operators. Shufti reads each licence and confirms that it matches the company's QKB record.
Business Address Proof
Companies prove their premises with a lease, an OSHEE bill in the company name or a registered-office agreement. Shufti cross-checks each document against the seat recorded with QKB, so a virtual or borrowed address stands out.
Tax Identity
NUIS (Numri Unik i Identifikimit të Subjektit)
QKB generates the NUIS when a business registers under Article 60 of Law No. 9723/2007, and the General Directorate of Taxation uses the same number, also called NIPT, as the tax ID. Shufti extracts it from every document and matches it to the QKB record.
Personal Number (Numri Personal)
Every Albanian citizen carries a unique personal number, printed on the Letërnjoftim and used for tax purposes. Article 5 of Law No. 9917/2008 requires firms to record it, and Shufti extracts it and checks it across every document a customer submits.
Foreign Tax Registrations and FATCA/CRS Self-Certification
Foreign parent companies and shareholders are verified with their home-country tax registrations. Shufti gathers FATCA and CRS self-certifications in the same due diligence form, so tax residency is settled before the account opens.
Ownership and Control
Register of Beneficial Owners
QKB keeps the register of beneficial owners under Law No. 112/2020, and Instruction No. 1/2025 requires financial firms to check their own ownership data against it. Shufti extracts every declared owner, compares the entry with the statute and shareholder records, and screens each person.
Shareholder Register and Ownership Chart
Article 4/1 of Law No. 9917/2008 requires firms to identify the beneficial owner and understand the customer's ownership and control structure. Shufti traces each holding through intermediate companies and checks every owner it finds against sanctions, PEP and adverse media lists.
Administrators, Directors and Authorised Signatories
The same article requires firms to confirm that anyone acting for a company is authorised to do so and to verify that person's identity. Shufti verifies each administrator and signatory, screens them and alerts the case owner when the QKB record shows a management change.
Languages We Cover
Albanian, English and Foreign Document Parsing
Albanian documents use the 36-letter Albanian alphabet, with characters such as ç and ë, while foreign customers bring documents in other scripts. Shufti's OCR reads 150+ languages and scripts, including Albanian at 98.67% accuracy, and averages 93% accuracy against Google Vision's 78.4% in its published benchmark. Zero-shot document intelligence extracts data from layouts it has never seen, on first sight, without waiting for a template.
Albanian Name Matching
Albanian names often lose ç and ë in foreign systems, and spellings shift between documents issued at home and abroad. Native phonetic models for 80+ languages match these variants in sanctions and PEP screening, so a dropped diacritic never hides a listed person.
Cross-Document Consistency Checks
Names, dates of birth and personal numbers are reconciled across the Letërnjoftim, passport, residence permit, QKB extract, NUIS records and the register of beneficial owners. Shufti flags every mismatch for review, so a changed date of birth or a swapped surname cannot pass unnoticed.
Independent Validation
Shufti's Recognition Across Independent Evaluations
Ranked Exceptional in the Liminal Index 2026 for age estimation
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Differentiated by Gartner on document diversity and country coverage
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Certified at iBeta Level 3 PAD with 0% APCER
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Broadest global reach in the 2025 KuppingerCole Extended IDV report
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Ranked Top 5 in the DHS RIVR 2025 for identity validation
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Top Vendor for Product Execution in the Liminal Index for KYC 2026
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Ranked Exceptional for age verification by Liminal Index 2026
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Recognised as a Leader in G2 Fall 2026 reports
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Regulatory Update
Every Verification Route Albanian Firms Rely On, in One Platform
Article 6 of Law No. 9917/2008 requires specific procedures for customers onboarded without physical presence, and Instruction No. 1/2025 ties electronic identification to an official biometric ID document. Shufti supports Letërnjoftim chip and biometric checks, plus passport chip, document, registry and video routes for non-residents and customers without a Letërnjoftim.
NFC Chip Verification
LiveShufti reads the chip in the Letërnjoftim, the Albanian biometric passport and most foreign biometric passports, then matches a live selfie to the chip photo. Altered chip data fails its signature check, which makes this the high-assurance remote route for residents.
Document and Face Biometric
LiveShufti authenticates a passport, Letërnjoftim or residence permit and matches a live selfie to its photo with iBeta Level 3 liveness. Non-residents, foreign directors and customers whose chip cannot be read usually take this route.
Personal Number and Registry Checks
LiveFor sole traders and company representatives, Shufti matches the personal number across the customer's documents and confirms the NUIS and business details against the QKB record, so the person and the business behind them are checked in one flow.
Video Identification
LiveAgent-led video sessions, run in the language your customers use, pair document checks with face matching and record the full session, consent included, as evidence. Firms reserve them for high-risk customers, corporate signatories and cases that need a human reviewer.
Fraud Prevention Across the Albanian Customer Journey
Reduce fraud losses and protect customer trust across onboarding, account access, and payments. Shufti connects identity, behavioral, device, network, and transaction intelligence to help Albanian businesses act on risk while keeping legitimate customers moving.
Governance & Controls
Audit-Ready Decisions, Lower Operational Drag
Fewer Avoidable Re-submissions
Capture guidance for Letërnjoftim chip reads, selfies, passports and Albanian-language company papers cuts failed attempts before they reach your review queue.
Cleaner Audit Trails
Shufti's case management records sources, results, timestamps, evidence, analyst notes and decision history, packaged as report-ready bundles for RAD reports to the Financial Intelligence Agency.
One Workflow, One Back Office
Unify KYC, KYB, AML screening and transaction monitoring in one case file. Perpetual KYC/KYB tracks ownership, administrator and transaction changes across the full compliance lifecycle.
Letërnjoftim and Residence Permit-First Flow Design
Residents verify through Letërnjoftim chip or residence permit biometric checks first, while non-residents move to passport chip verification in the same flow.
Shufti's IDV/KYC Solutions for Albania
KYC Solutions
A know your customer service in Albania has to cover citizens at home and abroad, foreign residents and visiting non-residents, most of them holding a Letërnjoftim, a residence permit or a passport. One Shufti flow routes each by risk, so nobody faces checks they don't need.
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Face Verification
Remote onboarding needs specific procedures under Albanian law, so a document alone is not enough. Shufti matches a live selfie to the Letërnjoftim, chip or document photo with iBeta Level 3 liveness, blocking masks, replays and deepfakes while 99.5% of genuine customers pass first time.
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Age Verification
Gaming operators and age-restricted services must keep minors out, and many young customers hold no ID card before 16. Shufti estimates age from a selfie in under 5 seconds and falls back to the date of birth on the Letërnjoftim or passport when needed.
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Bank Account Verification
Loan payouts, refunds and withdrawals go astray when an IBAN or holder name is wrong. Shufti validates Albanian IBANs and their checksum and confirms the account holder's name in real time before money moves, so funds reach the verified customer.
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Address Verification
OSHEE bills, bank statements and leases arrive as photos, scans and PDFs of uneven quality. Shufti reads each one with layout-aware extraction and fuzzy matching, reaching a 99.3% pass rate, so genuine addresses clear without anyone retyping them.
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Document Verification
Letërnjoftim cards, residence permits, passports and company papers arrive in every format and quality. Shufti authenticates each within seconds and catches screenshots, replayed images, synthetic PVC cards and print-and-scan copies, so forgeries stop at the first check.
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Identity Verification
Separate tools for documents, selfies, chip reads and addresses scatter one customer across several records. Shufti runs biometric, NFC, document and address checks in one API session, giving compliance teams one decision and one audit trail per customer.
.KYB Solutions
Business verification in Albania means reconciling the QKB extract, the NUIS and the owners declared to the register of beneficial owners, often across several corporate layers. Shufti's live registry calls and owner mapping assemble those records into a single review.
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Business Verification
Onboarding an Albanian company means confirming its QKB record, NUIS, signatories and everyone who owns or controls 25% or more. Shufti's live registry call pulls that picture together in one check, putting corporate onboarding under two minutes.
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Enhanced Due Diligence
Article 8 of Law No. 9917/2008 requires senior management approval, source of funds and wealth checks and enhanced monitoring for PEPs, who keep that status for up to three years after leaving office. Shufti's due diligence forms branch by risk and send UBO verification links.
.AML Screening
A customer who is clean at onboarding can land on a list next week. Shufti's perpetual KYC rescreens customers against 4,000+ watchlists, including Albania's national list of designated persons and UN Security Council lists, refreshing every 15 minutes and keeping every alert in one case file.
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Business AML Screening
Risk in a company often sits with its owners and administrators. Shufti screens entities, administrators and beneficial owners against Albania's list of designated persons and UN restrictive measures, and perpetual KYB rescreens them whenever the QKB record or declared ownership changes.
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Transaction Monitoring
Cash transactions of 1,000,000 lek or more go to the Financial Intelligence Agency by the next working day, so deposits split below that line stand out. Shufti's library of 500+ pre-built rules covering structuring, smurfing, and mule activity cuts false positives by 60%.
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Travel Rule
Article 10 of Law No. 9917/2008 extends the duty to send originator and beneficiary details with each transfer to virtual asset service providers. Shufti's Travel Rule solution exchanges IVMS101 data through one integration with major networks and confirms ownership of unhosted wallets.
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AI Compliance Co-Pilot
One common name can return 140+ screening hits. Shufti's AI Compliance Co-Pilot reviews every hit and gives a confidence score out of 100 with a written reason, while your MLRO keeps the final call.
.Built To Fit Albania's Compliance Landscape
AML in Albania rests on Law No. 9917/2008 and the Financial Intelligence Agency, while the Bank of Albania, AMF, AMLF and other authorities add rules for the firms they oversee. Shufti maps its KYC, KYB, AML screening and transaction monitoring controls to every regime below, so one platform covers each licence your group holds.
Law No. 9917/2008 on the Prevention of Money Laundering and Financing of Terrorism
Last amended by Law No. 37/2026 of April 2026, the law sets the core duties of every reporting entity, while a replacement law remains in draft. Article 4/1 covers due diligence and monitoring, Article 6 remote customers and Article 16 record retention.
Bank of Albania (Banka e Shqipërisë, BSH)
The Bank of Albania licenses and supervises banks, non-bank financial institutions, payment and e-money institutions, exchange offices and savings and loan associations. Its Regulation No. 44/2009 on AML/CFT, last amended in April 2026, requires written procedures for business conducted without the customer's physical presence.
Financial Intelligence Agency (AIF)
The Financial Intelligence Agency is Albania's FIU, reporting to the Minister of Finance, and took its current name under Law No. 62/2023. It receives suspicious activity and cash transaction reports electronically, issues AML instructions with the ministry and supervises several non-financial sectors directly.
Instruction No. 1/2025 on AML Procedures for Financial Entities
Issued by the Minister of Finance in January 2025, the instruction sets AML methods for entities engaged in financial activities. Article 6 sets the conditions for electronic identification, Article 13 requires owner data to be checked against the beneficial ownership register and Article 31 sets the RAD reporting form.
Albanian Financial Supervisory Authority (AMF)
AMF supervises securities markets, insurers, private pension funds and collective investment undertakings. Under Law No. 66/2020 on financial markets based on distributed ledger technology, it licenses virtual asset activity with the National Agency for Information Society, and licence holders must apply the AML law.
Law No. 112/2020 on the Register of Beneficial Owners
The register covers anyone who owns 25% or more of an entity, directly or indirectly. Article 5 gives entities 90 calendar days to register a change, and Article 13 sets fines of up to 600,000 lek for missing declarations and suspends QKB services until the fine is paid.
National Business Center (QKB)
QKB runs the commercial register under Law No. 131/2015 and Law No. 9723/2007 on business registration, and it also administers the register of beneficial owners. Its registry data is the official record of a company's legal form, administrators, NUIS and registered seat for any entity check.
Law No. 157/2013 on Measures Against Terrorism Financing
The Council of Ministers approves Albania's national list of designated persons on proposals from the foreign and finance ministers and publishes it in the Official Gazette. Under Article 10/1, freezing applies as soon as the UN announces a designation, without waiting for a national decision.
Law No. 72/2019 on International Restrictive Measures
Amended by Law No. 101/2023, the law gives effect to UN Security Council restrictive measures in Albania. The Ministry for Europe and Foreign Affairs publishes the resolutions and keeps a registry of measures, and Article 8 requires immediate freezing without waiting for national implementing acts.
Gambling Supervisory Authority (AMLF)
AMLF licenses and supervises games of chance under Law No. 155/2015, whose latest amendment, Law No. 18/2024, returned sports betting in online form only. Casinos and other gaming operators are reporting entities under Law No. 9917/2008 and apply due diligence on transactions from 100,000 lek.
Electronic and Postal Communications Authority (AKEP)
AKEP regulates electronic communications under Law No. 54/2024, which replaced Law No. 9918/2008. Article 155 requires operators to register every user before activating a subscription or prepaid card, and lets AKEP set the identification data required, including electronic or biometric elements.
National Cyber Security Authority (AKSK)
AKSK oversees cyber security under Law No. 25/2024 and trust services under Law No. 51/2026 on electronic identification, trust services and the digital identity wallet, which replaced Law No. 107/2015. It accredits trust service providers and publishes the national trusted list of qualified services.
IdentiTek
Created by Council of Ministers Decision No. 80 of 2023 and attached to the Ministry of Interior, IdentiTek produces Albania's biometric ID cards, passports and residence permits. It personalises documents to ICAO standards, and Albania's ICAO Public Key Directory membership covers its biometric passports and electronic ID cards.
MONEYVAL Evaluation of Albania
FATF removed Albania from its list of jurisdictions under increased monitoring in October 2023. MONEYVAL held its on-site visit in Tirana in April 2026, with the report due at its December 2026 plenary, and the Prime Minister chairs the national AML coordination committee.
Albania Data Residency and Deployment
Law No. 124/2024 lets personal data leave Albania only where the destination offers adequate protection or approved safeguards are in place. Shufti offers on-premises deployment, with any other hosting location and transfer arrangement set in the agreement, so each data flow has a documented legal basis.
Personal Data Protection Law (Law No. 124/2024)
Adopted in December 2024 to replace Law No. 9887/2008, the law treats biometric data as sensitive and requires breach notice to the Information and Data Protection Commissioner within 72 hours. Shufti protects identity and biometric data with encryption, role-based access controls and configurable retention.
Bank of Albania Outsourcing and Operational Risk Rules
Regulation No. 51/2024 requires banks, payment and e-money institutions to assess outsourcing risk before and during a contract and to monitor outsourced services. Shufti discloses its processing locations, signs a data processing agreement and supplies the audit logs supervisors ask for.
Retention Controls
Article 16 of Law No. 9917/2008 requires records to be kept five years after a relationship ends, and authorities can extend that by five more. Shufti configures retention per client and licence, treats legal minimums as floors rather than deletion dates and supports legal holds.
Encryption and Security
Shufti encrypts personal and financial data in transit and at rest, enforces role-based access and logs every action. ISO 27001:2022 and SOC 2 Type 2 reports support the vendor assessments that banks, payment institutions and insurers complete before onboarding a provider.
Automated Decisions and Biometric Data
Article 20 of Law No. 124/2024 gives people the right to human intervention in decisions based solely on automated processing, profiling included. Shufti exposes verification results and supporting details through the API and back office, so support teams can explain outcomes and escalate disputed results.
Scope of Our Role
Shufti processes personal data as a processor under Law No. 124/2024 and acts only on your instructions, while your firm remains the controller. Any activity where Shufti acts as an independent controller is identified in its privacy notice.
Data Residency and Privacy Controls in Albania
Albania AML Sources That Strengthen Decisions
Financial Intelligence Agency (AIF)
Bank of Albania (BSH)
Albanian Financial Supervisory Authority (AMF)
Albanian State Police
General Directorate of Customs
General Prosecution Office
Special Structure against Corruption and Organized Crime (SPAK)
Ministry of Justice
Gambling Supervisory Authority (AMLF)
National Business Center (QKB)
Public Oversight Board
Financial Action Task Force (FATF)
Council of Europe – MONEYVAL
Egmont Group of Financial Intelligence Units
United Nations Office on Drugs and Crime (UNODC)
European Commission
Turn Albania Verification Requirements into a Smoother Customer Journey
Share your customer types, risk rules and current onboarding process. A Shufti specialist will show you how to connect identity verification, KYB and ongoing monitoring, reducing operational hand-offs while keeping decision evidence organised for compliance review.
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Identity Verification Built Around Your Industry in Albania
Open Accounts Remotely Under Albania's Non-Face-To-Face Rules
Banks follow Bank of Albania Regulation No. 44/2009 and the specific procedures Albanian law requires for customers who are not physically present. Shufti combines Letërnjoftim chip reads, liveness and passport checks in one flow, then screens every customer and monitors every account from the first transaction.
Frequently Asked Questions
Does Shufti support the Letërnjoftim, and what happens when customers cannot use it?
Yes. Shufti reads the Letërnjoftim chip through NFC, checks the card for tampering and pairs it with a liveness-checked selfie. Customers without one, such as foreign residents or visitors, switch to residence permit or passport verification in the same flow.
Is scanning a Letërnjoftim enough, or should verification include its chip?
A scan leaves room for edited or counterfeit cards, and Albanian law asks for specific procedures for customers who are not present. Reading the chip confirms the issuer signed the data, and a live selfie matched to the chip photo proves the holder is present.
Can Shufti verify foreign documents or identity formats it has not encountered before?
Yes. Shufti's zero-shot AI reads layouts it has never seen without waiting for a new template. A new foreign ID card, passport series or residence document is extracted and checked for tampering the first time it enters your onboarding flow.
How does Shufti OCR compare with Google OCR for Albanian identity documents?
Generic OCR often drops Albanian characters such as ç and ë, while Shufti reads Albanian text at 98.67% accuracy. Across the languages in Shufti's published benchmark against Google Vision, it averages 93% accuracy to Google's 78.4%, so expat and foreign director records arrive complete too.
How does Shufti verify ownership when an Albanian company has several corporate layers?
Shufti pulls the QKB record for each company in the chain, maps holdings through every layer and identifies everyone holding 25% or more or controlling the company by other means. Each owner is compared with the register of beneficial owners and screened before approval.
Does Shufti's ongoing monitoring cover more than sanctions screening?
Yes. Article 4/1 of Law No. 9917/2008 requires continuous monitoring of the business relationship, including analysis of transactions against the customer's profile and source of funds. Shufti monitors transactions, rescreens customers and beneficial owners, and flags ownership or administrator changes on the QKB record.
How does Shufti keep screening current and handle Albanian name variations?
Watchlists, including Albania's national list of designated persons and UN restrictive measures, refresh every 15 minutes. Native phonetic models match Albanian names written with or without ç and ë and spellings used abroad, so a respelled name still leads to the right listed person.
Can we control where our data is hosted or run verification inside our own infrastructure?
Yes. Run Shufti on-premises inside your own infrastructure, air-gapped if required, with any other hosting location agreed in the contract. Keeping data in your own systems also limits the cross-border transfers that Law No. 124/2024 allows only with adequate protection or safeguards.
What controls help us protect identity and biometric data?
Shufti encrypts data in transit and at rest, limits access by role and logs every action, backed by ISO 27001:2022 and SOC 2 Type 2. Biometric data, which Law No. 124/2024 treats as sensitive, stays under the same controls with the retention periods you set.
Can we configure different retention periods for different Albanian licences?
Yes. Retention is set per client, licence and record type, so AML records stay at least five years after a relationship ends while subscriber, gaming or tax records follow their own schedules. A legal hold stops deletion of any record tied to an investigation.
What does Shufti provide when our compliance team needs to prepare a RAD report for the Financial Intelligence Agency?
Shufti's case file holds the verified identity, screening hits, transaction history, analyst notes and decision trail, exported as a report-ready bundle. Your compliance officer can report within the 72 hours Law No. 9917/2008 allows, without rebuilding the case from separate systems.
Can we add verification checks without rebuilding our onboarding journey?
Yes. The AI Journey Builder adds or reorders checks such as Letërnjoftim NFC, passport chip reads, address verification and AML screening by product, customer type and risk tier. Changes go live without new code or a new release, so compliance updates never wait on engineering.
How does Shufti make verification queries easier for our customer support team?
Every decision appears in the back office with its reason, the failed check and the captured evidence. Support staff can tell a customer whether a selfie failed liveness or a chip read was rejected, then pass disputed results to compliance in one click.
Let’s Build Trust Into Your Business
1B+Verifications Processed
240+Regions Actively Processed
99.7%Accuracy Rate
Samer Al Tamimi
CEO of Safwa Bank
“We take our client’s privacy very seriously and always look for new innovative solutions to ensure a safe banking experience. Working with Shufti feels like a breath of fresh air, as their 100% in-house tech keeps our customer’s data free from vulnerabilities and fully safe and protected.”
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